Underinsured Motorist Insurance (UIM)

Like the uninsured motorist (UM) policy, the underinsured motorist (UIM) policy, is required by a number of states. This insurance generally covers medical costs up to the maximum liability amount that is carried by the driver, if the accident was caused by a motorist who was underinsured.

NOTE: Both the underinsured motorist (UIM) and uninsured motorist (UM) policies are not expensive. These policies should be purchased by every auto insurance policy holder, even if not required by the state.